money money money tii: should I move from Raiz Invest to Betashares Direct?
Sep 18, 2025
Glen explores whether moving an $8k portfolio from Raiz Invest to BetaShares Direct makes sense. He breaks down the fee structures of both platforms and emphasizes a balanced investment strategy. The discussion also highlights diversification issues, pointing out gaps in exposure like real estate and small caps. Alternative investment options, such as paying down a mortgage or using robo-advisors, are suggested for broader diversification. Overall, it's an informative take on optimizing your investment strategy.
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Listener's Five-Year Home Upgrade Plan
- The listener has $8k in Raiz (Emerald) invested for five years to fund a home upgrade in five years. They currently invest $30/week and plan $50/week later when daycare ends.
Emerald Is A 70/30 Portfolio With Long Hold Suggestion
- Emerald is roughly a 70% growth / 30% defensive portfolio with 38% Australian large caps and 34% global large caps. It labels a 10–15 year suggested minimum hold despite its moderate defensive weighting.
Align Strategy Before Switching Platforms
- Don't change platform and simultaneously switch asset allocation and investments without re-evaluating your strategy. Match your asset allocation to your five-year goal and risk tolerance before moving funds.
